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Take advantage of a 0% interest rate for 13 months on purchases and balance transfers.
The Bankwest Breeze Mastercard combines the benefits of a low rate purchase card with low introductory rates on purchases and balance transfers. For a limited time, new cardholders can take advantage of 0% on purchases and balance transfers for 13 months. A one-time 2% fee applies to any balances transferred. Manage your repayments with up to 55 days interest-free on purchases and a low purchase rate of 12.99% p.a.
| Product Name | Bankwest Breeze Classic Mastercard |
|---|---|
| Balance transfer rate (p.a.) | 0% p.a. for 13 months with 2% balance transfer fee |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Standard Balance Transfer Revert Rate (12.99% p.a.) |
| Balance Transfer Limit | 95% of available credit limit |
| Purchase rate (p.a.) | 0% p.a. for 13 months (reverts to 12.99% p.a.) |
| Annual fee | $79 p.a. |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 21.99% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 |
| Minimum Monthly Repayment | 2% or $20, whichever is greater |
| Card Type | Mastercard |
| Late Payment Fee | $25 |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 2.95% of transaction value |
| Complimentary Travel Insurance | No |
| Available To Temporary Residents | No |
| Joint Application | No |
| Minimum Age | 18 years of age |
|---|---|
| Available to Temporary Residents | No |
| Credit Rating Requirement Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here. | Good |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 |
| Annual Fee | $79 p.a. |
|---|---|
| Minimum Repayment | 2% or $20, whichever is greater |
| Late Payment Fee | $25 |
| Over Limit Fee | $0 |
| Cash Advance Fee | Greater of 2% or $4.00 |
| Overseas Cash Advance Fee | Greater of 2% or $4.00 |
| Overseas Emergency Replacement | $25 |
| Foreign Currency Conversion Fee (MC) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 2.95% of transaction value |
| Gambling Transactions Allowed | No |
| Additional Cardholder Fee | $0 p.a. |
| Number of Additional Cardholders | 3 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| Yes |
Pros
- Enjoy 0% p.a. on balance transfers and purchases for 13 months.
- This card offers a low ongoing rate of 12.99% p.a. on purchases.
- This card also comes with a low annual fee of $79.
- You're allowed up to 3 additional cardholders at no extra charge.
Cons
- There is no rewards program linked to this card.
- A 2% balance transfer fee applies.
Bankwest Breeze Mastercard review
The Bankwest Breeze Mastercard offers savvy cardholders essential features to manage expenses and repayments. After the introductory offer expires, this card offers a low purchase rate of 12.99% p.a. and provides up to 55 days interest-free on purchases when you repay your balance in full every statement period.
Benefits of the Bankwest Breeze Mastercard offer
- Balance transfer offer. Apply and get approved for the Bankwest Breeze Mastercard and take advantage of 0% p.a. balance transfer rate for 13 months, with a 2% balance transfer fee. Following the introductory period, the interest rate on any outstanding transferred balance will revert to the standard balance transfer rate.
- Purchase rate offer. Approved Bankwest Breeze Mastercard cardholders can enjoy 0% on purchases for 13 months. After 13 months, the interest rate reverts to the standard purchase rate of 12.99% p.a.
- Annual fee. Approved Bankwest Breeze Mastercard cardholders are charged an annual fee of $79.
- Up to 55 days interest-free. Another feature of the Bankwest Breeze Mastercard is up to 55 days interest-free on purchases after the promotion expires. Interest-free days become available on your account when you pay your balance in full each statement period.
Bankwest Breeze Mastercard features
- Additional cards. Get up to 3 additional cards at no cost.
- Low ongoing purchase rate. The ongoing variable purchase rate for this card is 12.99% p.a.
- Emergency replacement card. If your card is lost or stolen, Bankwest will arrange for a complimentary emergency Breeze Mastercard to be sent to you anywhere in the world.
- Mastercard PayPass. This card is equipped with the technology to make contactless payments for purchases up to $100 with no need to enter a PIN.
How to apply for the Bankwest Breeze Mastercard
If you have compared your options and decided to apply, click through the "Go to Site" button and secure online application form. Before you start the application, you can confirm your eligibility for the Bankwest Breeze Mastercard below:
Eligibility criteria
To be eligible for this offer, make sure you can say 'yes’ to the following:
- Be over the age of 18
- Be a permanent Australian resident
- Have a good credit rating
Required documents
- Two or more forms of identification. Accepted forms of identification include: driver’s licence, Medicare card, passport or Australian birth certificate
- Details of your employment. This includes your employer’s contact details and contact information.
- Financial details. This includes income and expenses.
The application should take about ten to fifteen minutes to complete. When you submit the online form, Bankwest should contact you within minutes to let you know whether you've been approved, declined or conditionally approved.
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Hi , are there restrictions on how much or quickly you pay off purchases or are you only able to make minimum repayments ? Thanks
Hi Steve, thanks for your inquiry!
There are no restrictions to how quickly you can make repayments.
Cheers,
Jonathan
Hi,
I signed up to this via your website but have been charged interest in purchases despite paying minimum repayment on time. Also the statement from bankwest says promotional rate is 0% for balance transfers for 14 months from first statement and now 13 months second statement. Your offer says purchases. Do I contact bank to fix this?
Hi Jess,
Thanks for your inquiry.
Please note that the offer 0% p.a. on purchases for 13 months is an exclusive offer to finder.com.au, and does not come with a balance transfer offer.
However, it would be best to contact Bankwest directly to allow you to inquire specifically about this account issue.
You may refer to the link I have sent to your email for the contact details.
I hope this has helped.
Cheers,
Sally
I am not sure if I 100% understand an earlier question on balance transfers. Can clarify that if for example in the first month of having the card I did a balance transfer from an existing card of say $5000 and then I also purchased another $5000 of items using the new card that the entire $10k would not attract interest for the first 13 months?
Hi Tim, thanks for your inquiry!
Please note that this credit card does not come with a balance transfer offer. As such only your purchases would be covered under the offer of 0% interest free for 13 months.
Cheers,
Jonathan
Hi, I am thinking of taking up this offer to purchase a saddle. Once it is paid for, can I then cancel the card as I will no longer require it? Is there a cancellation fee?
Hi Kerrie,
Thanks for your question.
As explained in the Bankwest fees guide, if you close your account at a branch there is no fee. If you close it any other way (e.g. over the phone), you will incur a closure fee of $10.00.
I hope this has answered your question.
Thanks,
Sally
Yeah all that’s good … but where and how do I find the application form on finder.com? You say I have to apply on finder yet you say to go to bank west’s website? When I go to the banks’s website I then somehow find the finder form to fill out? JUST MAKE IT NICE AND PLAIN AND SIMPLE. NICE BIG TAG : CLICK HERE TO APPLY ON FINDER FOR BANKWEST. GOOD IDEA?
Hi Andrew,
Thank you for your question.
As finder.com.au is an online comparison service, not a provider, you can’t actually apply for Bankwest Breeze Classic MasterCard on our site.
However, as you mentioned, if you click through to the large green ‘Go to Site’ button on the right-hand side of our Bankwest Breeze Classic MasterCard page here, you will be transferred through to the Bankwest Breeze Classic MasterCard exclusive offer application page.
I hope this has answered your question.
Thanks,
Sally
Just clarifying that this special offer has up to 13 months interest free on purchases and also 15 months interest free on balance transfers?
Cheers
Hi Peter, thanks for your inquiry!
The Bankwest Breeze MasterCard only provides the 15 months interest free on balance transfers, with a standard purchase rate of 12.99% p.a. currently. You may like to refer to the following link for 0% Purchase credit cards with balance transfer offers available for comparison in the table.
Cheers,
Jonathan
It seems that the bankwest breeze MasterCard credit cards are listed in this link, hence my confusion if this card offers the 13months 0% purchase rate listed in that link & the 15months bt rate.. mistake?
Hi Peter, thanks for your response.
This exclusive offer with Bankwest only offers 0% purchases for 13 months without a balance transfer offer. Please refer to the provider page for a full list of Bankwest credit cards, including our exclusive offers. You may also like to refer to this link for balance transfer cards with 0% purchase offers.
Cheers,
Jonathan
I have a Bank of Melbourne credit card looking to do balance transfer to Bank West. Can this be done?
Hi Keith, thanks for your inquiry!
Balance transfers from the Bank of Melbourne to Bankwest are accepted as the two banks operate independently. Please note that Bankwest allows 95% of the available credit limit for balance transfers, as long as you meet the application/ lending requirements of Bankwest you will be eligible to apply.
Cheers,
Jonathan
We are looking for the best card to use for air line tickets to fly on a lot of airlines. We are looking for a card that offers interest free for months min and will earn us points for air miles on future fares in either a lot and/ or Star alliance
Hi Robert, thanks for your inquiry!
You may like to refer to the following link for a list of frequent flyer cards and offers.
Cheers,
Jonathan
Hi,
How do we apply for a joint credit card on your website? There’s no option for second applicant
Hi Davo, thanks for your inquiry.
Unfortunately Bankwest does not offer joint account credit cards. Please refer to the following link for a list of joint account credit cards.
Cheers,
Jonathan
Hey just wondering what cash advance mean?
can i just take a certain amount out in cash and pay no interest on it if i pay back in the 13 months ?
Hi Nathan, thanks for your inquiry!
Cash advance qualifies as cash withdrawals from ATM’s and transactions that are not purchases (bill payments etc). Unfortunately there is no interest free features available for withdrawing cash for credit cards. Balance transfers from a personal loan to a credit card are available on this page.
Cheers,
Jonathan